Who can apply?
To be eligible for coverage, all applicants must meet the following eligibility requirements:
- be a visitor to Canada;
- be a Canadian who is not eligible for benefits under a government health insurance plan issued by a Canadian province or territory;
- be a person who is in Canada on a work visa; or
- be a person awaiting government health insurance coverage from a Canadian province or territory.
To be eligible for Plan A, applicants must:
- be at least 30 days of age and no older than 85 years of age (69 if purchasing $150,000 single-trip emergency medical coverage).
To be eligible for Plan B, applicants must:
- be no older than age 85 (69 if purchasing $150,000);
- truthfully answer 'No' to all questions on the Medical Questionnaire if they are age 40 years or older.
Application and Medical Questionnaire
To apply for coverage, you must complete the application for insurance no longer than 365 days prior to the effective date of insurance.
- The policy is issued for no more than 365 days.
- Application for insurance may be made before or after arrival in Canada. You will be subject to a waiting period if insurance is purchased after arrival in Canada.
- You may not be covered under more than one of our emergency medical plans at a time during a trip.
- A $75 (CAD) deductible will apply to each Emergency Medical claim made under this policy, unless you select No Deductible, or $500, $1,000, $2,500, or $5,000 Deductible option and paid the appropriate premium.
- All applicants must meet the Eligibility Requirements. Plan B applicants age 40 years or more must complete the Medical Questionnaire to determine eligibility for Plan B.
You are not eligible for coverage for any plan if:
- you are travelling against the advice of a physician;
- you have been diagnosed with a terminal illness with less than 2 years to live;
- you have a kidney condition requiring dialysis;
- you have used home oxygen during the 12 months prior to the date of application;
- you have been diagnosed with Alzheimer's or any other form of dementia;
- you are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage) on your effective date;
- you reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
- you require assistance with activities of daily living including eating, bathing, using the toilet, changing positions, (including getting in and out of a bed or chair), and dressing.